Cheap Florida car insurance

Across the Sunshine State, there are 267,793 miles of road just waiting to be driven. We’ll get you ready with the best — and most affordable — insurance policy, then you take the wheel.

Cheap car insurance in Florida

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Cheap auto insurance in Florida — for good drivers

Good drivers can save money on car insurance! Insurance companies use your driving record as a way to predict what kind of risk you pose. Without at-fault accidents, speeding tickets or DUIs on your record, you are a less risky and more affordable customer for an insurance company.

In addition to cheaper premiums, some companies offer good driver discounts. While the amount varies based on your company, it can range between 5 and 10%. If we’re looking beyond just average rates and at individual companies, Nationwide seems to have the cheapest rates for good drivers.

Cheap car insurance in Florida — for new drivers

Young drivers between the ages of 16 and 25 pay the most for car insurance across the U.S. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. For teen drivers, historically the most expensive drivers to insure, we’ve found that Geico Progressive, and Liberty Mutual are the cheapest companies.

Affordable Florida car insurance — for bad drivers

Having a bad driving record can be a huge burden for getting cheap car insurance - no matter your location. In Florida in 2017, a DUI raised rates an average of $934 a year. Other violations, such as an at-fault accident or a speeding ticket will also hurt your driving record. Based on our research, if you’ve had a DUI or at-fault accident, your best bet for cheap car insurance is to shop with Liberty Mutual, State Farm, or Nationwide.

What are the best Florida car insurance companies?

Each car insurance company advertises its low costs. But as with any product or service, the most affordable car insurance policy isn't always the best option. Considering the financial stakes, it's worthwhile to do the due diligence to find a policy that will cover your car adequately in the event of an accident. Work to find the best value, rather than settling for the most affordable auto insurance you find.

Compare top auto insurance companies' fiscal strength and claims satisfaction ratings to better understand the level of service they might provide. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by AM Best and varying from "Poor" to "Superior" — assesses an insurance company's financial strength and ability to meet its contractual and policy obligations.

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What insurance coverage do I need in Florida?

Required minimum insurance levels in Florida are $10,000 bodily injury liability coverage per person, $20,000 bodily injury per accident, and $10,000 property damage per accident.

If you opt for the minimum required coverage in Florida, be prepared to pay an average of $1,192 each year. This exceeds the national average by 81%. If you want a higher standard of coverage, select a policy with comprehensive and collision coverages to insure against the costs of car-versus-car collisions, auto theft, or weather incidents. Better coverage comes at a price: in Florida, a comprehensive insurance policy with a $1,000 deductible costs $1,698, 42% more than basic insurance coverage. For comprehensive insurance coverage with a $500 deductible, Florida drivers can expect to pay 53% more than you would for a liability insurance-only policy.

Analyze average expenditures for basic, better, and best insurance coverage levels in the below table.

Florida car insurance laws

What are the state minimum auto insurance requirements in Florida?

In Florida, the minimum coverage requirements are as follows:

• Property Damage Liability (PDL) - $10,000 per accident
• Personal Injury Protection (PIP) - $10,000 per person

Optional car insurance coverages in Florida — varying by carrier — include:

• Comprehensive
• Collision
• Loan/Lease Payoff
• Medical and Funeral Services
• Rental Car Reimbursement
• Roadside Assistance
• Uninsured/Underinsured Motorist Bodily Injury

Additional information on coverage requirements in the state of Florida:

• Florida Car Insurance Laws

Florida auto insurance FAQs

Do I need to have car insurance in Florida?

Yes. In Florida — as in most U.S. states — you're required to maintain state-mandated minimum insurance requirements in order to drive.

Do I need insurance to register a car in Florida?

Yes. To legally register your vehicle in Florida, you will need to show proof of insurance.

Is Florida a no-fault state for car insurance?

Yes, Florida is a no-fault state. This means if you're injured in a crash, you're required to cover your own bodily injury payments — regardless of fault.

Why is car insurance so expensive in Florida?

Auto insurance companies charge higher-than-average rates in many parts of Florida due to the increased likelihood of claims and the state's relatively high share of uninsured drivers. When comparing car insurance rates in Florida, consider uninsured motorist coverage as an add-on.

How does a ticket impact auto insurance rates in Florida?

When you receive a ticket your car insurance rates will probably go up. How much your rates rise depends on the violation, your car insurance company's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at average auto insurance rates in Florida after a few common citations.